Bajaj Housing Finance Share Price

Bajaj Housing Finance Ltd (BHFL) was incorporated in 2008 and is headquartered in Pune, India. A wholly owned subsidiary of Bajaj Finance Ltd, it was formerly known as Bajaj Financial Solutions Ltd (renamed in November 2014). BHFL is registered as a Housing Finance Company (HFC) with the National Housing Bank since 2015, and is categorised as an Upper-Layer NBFC by the RBI. Its core business includes providing mortgages, loans against property, lease rental discounting, and developer financing. BHFL is currently listed on both the NSE (BAJAJHFL) and BSE (544252), following its high-profile IPO in 2024.

Bajaj Housing Finance Business Segments and Revenue Model

• Home Loans & Loans Against Property (LAP): Tailored to both individuals and corporates for housing purchase, construction, and renovation.
• Lease Rental Discounting (LRD): Loans provided against rental receivables of commercial property.
• Developer Financing: Funding offered to developers in exchange for future supply or stake in projects.

As an HFC under the Bajaj Finserv umbrella, BHFL benefits from access to Bajaj Finance’s vast customer base and distribution network. It monetises its loan book via interest income and manages liquidity via borrowings and deposits. Income is driven by interest spreads across secured home loan portfolios, while risk is mitigated through strong underwriting and collateral-backed lending.

Bajaj Housing Finance Key Milestones

• 2008: Incorporated as Bajaj Financial Solutions Ltd.
• 2014: Renamed to Bajaj Housing Finance Ltd.
• 2015: Registered as an HFC with the National Housing Bank.
• 2022: Classified as an Upper-Layer NBFC by RBI under scale-based regulations.
• 2024 (June): Approved and filed DRHP for its IPO - ₹7,000 crore public issue.
• 2024 (Sept): Conducted its IPO targeting ₹582.97 billion valuation; issue size ~ $782 million.
• 2024 (Sept): IPO saw shares more than double on debut; heavily oversubscribed and among the year’s largest listings.
• 2025 (June): Reported assets under management rising sharply (~31% YoY), reflecting strong loan portfolio growth.
• 2025 (July): Posted robust Q1 results – net profit up 21% YoY to ₹583 crore, revenue up 18%.

Bajaj Housing Finance ESG and Sustainability

• Focus on financial inclusion, offering affordable home finance with transparent underwriting.
• Emphasises governance and customer centricity, aligned with Bajaj Finserv’s broader ESG strategy for sustainable growth.
• Runs internal programs promoting employee awareness of ESG principles, including human rights and ethical workplace practices.

Bajaj Housing Finance Awards and Recognitions

Although BHFL’s individual recognitions are still evolving, Bajaj Finserv and the broader group have consistently been acknowledged across the industry for their ESG initiatives. BHFL’s association with this highly awarded group further reinforces its credibility.